Today's Financial Rates
Every rate that touches an American household — mortgages, savings, Treasuries, inflation and fuel — pulled straight from government and Federal Reserve data, updated each morning.
📅 Updated August 30, 2026
What today's numbers mean
Mortgage rates held essentially flat this week at 6.66% for a 30-year fixed loan. On a $400,000 home purchase, that translates to roughly $2,440 per month in principal and interest. While rates have stabilized, they remain significantly higher than just a few years ago, adding real cost for new buyers.
More positive: inflation has cooled to 3.3% annually, down from 9%+ peaks in 2022. This matters directly for savers. High-yield savings accounts and money market funds now offer 4-5% rates that actually exceed inflation, meaning your cash grows in real purchasing power. That's a meaningful shift from recent years when inflation consumed savings. Unemployment remains steady at 4.1%. Gas prices stay elevated near $4.09 per gallon. For budget-conscious households, moderating inflation is today's genuine positive story.
🏠 Mortgage & Home Loans
National averages from the Freddie Mac Primary Mortgage Market Survey, published weekly on Thursday.
30-Year Fixed
6.66%
▲ 0.01 pt
Week of Aug 27, 2026
A year ago: 6.56%
15-Year Fixed
5.98%
▲ 0.03 pt
Week of Aug 27, 2026
A year ago: 5.69%
Bank Prime Rate
6.75%
unchanged
As of Aug 26, 2026
Most HELOCs and credit cards are priced off this rate.
Median Home Price
$410,700
Quarter ending Apr 1, 2026
A year ago: $416,100
🏦 The Fed, Savings & Borrowing
The short-term rates that set what your savings account pays and what your debt costs.
Fed Funds Effective
3.63%
unchanged
Aug 27, 2026
A year ago: 4.33%
SOFR
3.64%
unchanged
Aug 27, 2026
The benchmark that replaced LIBOR on floating-rate loans.
3-Month Treasury
3.90%
Aug 28, 2026
A rough ceiling on what money-market funds can pay.
2-Year Treasury
4.20%
▲ 0.01 pt
Aug 27, 2026
Tracks where markets think short rates are heading.
📈 Treasury Yield Curve
What the US government pays to borrow across every maturity. Mortgage rates track the 10-year closely.
US Treasury constant-maturity yields, Aug 28, 2026. Source: U.S. Department of the Treasury.
10-Year Treasury
4.67%
▲ 0.01 pt
Aug 27, 2026
A year ago: 4.24%
30-Year Treasury
5.19%
▲ 0.01 pt
Aug 27, 2026
10Y − 2Y Spread
0.39 pt
▼ 0.08 pt
Aug 28, 2026
Below zero is an inverted curve — historically a recession warning.
🛒 Cost of Living
Inflation from the Bureau of Labor Statistics and pump prices from the Energy Information Administration.
CPI Inflation (YoY)
3.3%
Data through Jul 1, 2026
How much more the same basket of goods costs than a year ago.
Core CPI (YoY)
2.5%
Data through Jul 1, 2026
Strips out food and energy — the number the Fed watches.
Regular Gasoline
$4.085
▲ 0.036
Week of Aug 24, 2026
A year ago: $3.147
Unemployment Rate
4.1%
▼ 0.1 pt
Jul 1, 2026
A year ago: 4.3%
📊 Markets & Commodities
Where retirement accounts and fuel budgets get moved around.
S&P 500
7,711.76
▼ 19.23
Aug 28, 2026
A year ago: 6,501.86
Nasdaq Composite
26,402.42
▼ 138.93
Aug 28, 2026
VIX Volatility
14.51
▼ 0.70
Aug 27, 2026
Under 20 is calm; over 30 signals market stress.
WTI Crude Oil
$83.90
▼ 2.44
Aug 25, 2026
Feeds into gas prices with a two-to-three week lag.
Bitcoin
$78,228
24-hour price
Ethereum
$2,457.11
24-hour price
💱 US Dollar Exchange Rates
European Central Bank reference rates for Aug 28, 2026.
| Currency | 1 USD buys |
|---|
| Canadian Dollar (CAD) | 1.3854 |
| Euro (EUR) | 0.8589 |
| British Pound (GBP) | 0.7362 |
| Japanese Yen (JPY) | 159.6800 |
| Mexican Peso (MXN) | 16.9481 |
Where these numbers come from
Every figure on this page is pulled automatically from a primary public source. Nothing is estimated or modeled by us.
- Mortgage rates — Freddie Mac Primary Mortgage Market Survey, via the Federal Reserve Bank of St. Louis (FRED)
- Fed funds, prime, SOFR, CPI, unemployment, oil, stock indexes — Federal Reserve Bank of St. Louis (FRED)
- Treasury yield curve — U.S. Department of the Treasury daily par yield curve
- Gasoline prices — U.S. Energy Information Administration weekly retail survey, via FRED
- Exchange rates — European Central Bank reference rates
- Cryptocurrency — CoinGecko
Page generated 2026-08-30T07:00:02 US Eastern. Browse past days →